Date Received: 2020-03-20
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I received a response after a complaint on the balance on my loan. I voluntarily surrender my car after releasing payments were too high and at the time I could no longer afford it. They called and set up a towing pick up to leave the key in the car and take off plates and towing company would pick up. So I did that night theft got to the car before the towing company it was a Friday morning I woke up show the car gone and thought the towing company took it. it was still a couple of days later I received a call that the car was never picked up. I called my apartment complex and asked if the car was towed by them they said no so I asked to run the camera for that night and on video, there were 2 men going in the car and finding the keys and going off in my car. I reported to the police they found my car and told me who had it, I called the bank to advise them the police found the car and it was at a towing company should I pick it up they told me no to tell them the company and they will set up a pickup. If I would have known they would have charged or set up a pick up so far apart to accumulate a bigger charge I would have picked it up myself. Also, I could have told the police the charges and the theft would have been a force to repay my lost funds. I've never had a car stolen so I'm in shock they would of charge to pick up my stolen car. Besides that this contract was a flaw and I was sold into a payment that would never have paid my loan. I was paying and paying and my balance remain the same for 2 years. When i surrender the car i was told it would be sent to auction and whatever the balance that paid would be taken off and i would owe the rest. How the XXXX did they sell the car for XXXX XXXX and then still jump right back up to XXXX XXXX where i started. I was young when i purchase this car and what they told me was not to explain thoroughly i believe they took advantage of my uneducated self. I do not find fairness in this balance would like to take this up to the highest possible outcome even if nothing happens I rather fight on this balance this is unfair.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Chrysler Capital has illegally repossessed my car. I have received any statements in over a year! I be call and spoke with people and have been making payments every month. I requested a statement of payments and spoke with several people in making my payments. In addition Chrysler Capital just allowed me to co sign on another loan through them. They now are saying am 6 moths past due and can not tell me how! The statement I received showed XXXX in late fees.
Company Response:
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I recently received verification for my account, in which it stated Santander Consumer sent out the right to redeem, notice of sale, and post sale notices. In the past, I do not remember receiving those documents. I have asked to be provided with the certified tracking information as proof that I signed and received those documents. Due to the inability to prove that the documents were received, I request that this account be deleted, as it is a violation of the Fair Credit Reporting Act.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/XXXX I gave back the XXXX XXXX back to Santander USA car finance. The never sent me a statement for the sale of the vehicle. When I spoke with them by phone the explained to me that the loan was satisfied and the account was paid in full. XX/XX/XXXX I got an alert from the credit bureau that a new account has been reported to my credit report. I call Santander USA and stated my account was paid in full and was close. I ask the representative to email me a copy of the statements and they never did. How can a company say for almost five years the my account was paid in full. Later sell a account to a debt collector that close. This is an attempt to defraud me for a none valid dept.
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX I was hit by a XXXX bucket truck. XXXX we found out that they were deeming it a total loss. XXXX ' insurance company since XXXX has been either faxing the information Santander and or have emailed it to them and they keep claiming that they haven't received it. 3 weeks ago they put it in the mail and to this day they are still trying to take the car away. We have Gap insurance on the vehicle and still they are not responding to them or us as far as getting this resolved. I also filed a complaint with the XXXX and they have yet to respond to that complaint. I'm including that information here the date of this compliant is : XX/XX/XXXX : Complaint ID # : XXXX Business Name : Santander Consumer USA , Inc. Thank you for taking the time to submit your complaint to the XXXX XXXX XXXX ( XXXX ) Serving XXXX XXXX Texas. Your submission will not only allow us to work toward a resolution of your specific complaint, but will also help us monitor the latest trends in the marketplace at-large. We recognize there are many places where consumers can share their feedback about a particular business experience, and we appreciate the fact you have chosen XXXX to assist you. Your complaint was received by our office and has been assigned case ID # XXXX. A copy of your concerns have been sent to : Santander Consumer USA , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX How long does the process take? We have contacted the business and asked them to provide a written response to your complaint. We encourage them to be prompt in their submission, but some disputes may take longer than others to conclude. We ask for your patience as we work to obtain this response. XXXX strives to have cases closed out within 30 days of receipt, but your individual case may take more or less time, depending on the complexity of the case and the responsiveness of the business. What happens if the business responds to XXXX? If we receive a response from the business, you will be notified and asked to review the submitted information. You can view your case progress and provide updates at any time using the link below : http : XXXX. What happens if the business doesn't respond to XXXX? XXXX will make every effort to obtain a response from the business, but some businesses simply do not ever respond to our requests. If our contact attempts are unsuccessful, your complaint will be closed out as " unanswered '' and you will be notified. It is important to remember that XXXX is not an enforcement agency and we can not compel a business to provide a response or deliver your specific desired resolution. However, failure by the business to do so may result in a negative impact on their rating with XXXX, which may drive away future customers. XXXX can also refer you to other agencies and/or regulators who may be able to assist you. What if the business contacts me directly? If you receive contact from the business directly and they resolve your complaint, please let us know so we may close the complaint out accordingly. You may provide updates using the caselink above, or via email to XXXX. How do I avoid a similar experience in the future? We always encourage you to Start with Trust and look for a company on bbb.org before you make a purchase or sign a contract. You can also call us at XXXX and our experts will gladly provide free, objective, and accurate information about businesses and charities throughout North America. Sincerely, XXXX XXXX Department XXXX Serving XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX p : ( XXXX ) XXXX f : ( XXXX ) XXXX e : XXXX I spoke to my attorney at XXXX XXXX XXXX XXXX - ( XXXX ) he has stated that neither XXXX 's insurance company ( Esses? ) can figure out why they are not excepting the paper work. Each day this goes on it is impacting my husband 's credit.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2015 purchased XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold me XXXX XXXX the car and financed it thru Santander Consumer USA XXXX XXXX XXXX TX. XXXX ( XXXX } XXXX XXXX I found out that the car should of never been sold in the United States I called XXXX XXXX XXXX XXXX about the problem and they blew me off said they new nothing about it.There was a class action law suit against the XXXX Companey they had altered the computers on the vehicles so they wood pass smog they were foundy Guilty I called the finance company and had them pick up the vehicle I explained to them what XXXX had done they paid no attention to me .The finance company picked up the vehicle sold the vechile once again and sent me a bill for {$13000.00} THE VEHICLE SHOULD NEVER BEEN SOLD IN THE UNITED STATES
Company Response:
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/2014 purchased car with spouse car was returned volunarly. which still was a repossession.reported as of XX/XX/XXXX as closed at a XXXX balane activity transfer or sold.i contacted the dealer, was told the car was sold.no information was given.this account is closed,
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: - On XX/XX/XXXX I paid off my loan with Chrysler Capital. I received a letter from them stating it was paid off and that I was due a GAP refund of XXXX -On XX/XX/XXXX a fax from XXXX in XXXX XXXX XXXX was sent to Chrysler XXXX at XXXX ( attached ). Jeep in XXXX XXXX XXXX is where I originally bought my XXXX and Gap insurance. The fax stated how much my refund was, and where to send refund. This was received by Chrysler Capital on XX/XX/XXXX at XXXX XXXX -On XX/XX/XXXX my cancellation request was accepted by Chrysler Capital . They stated how much my refund was due to me. -On XX/XX/XXXX Chrysler XXXX sent my refund check to XXXX of XXXX XXXX XXXX. NOT made payable to me. It was made pay to the order of XXXX of XXXXXXXX XXXX XXXX. XXXX returned the check back to Chrysler Capital and on XX/XX/XXXX Jeep stated they could not give it to me because it was not in my name. It was made pay to the order of them. I was told by XXXX in XXXXXXXX XXXX XXXXXXXX that Chrysler would have to send it to me and to my address since it was my refund. They did not understand why they sent it to them. XXXX sent the payment back to Chrysler Capital. -Between the dates of XX/XX/XXXX through XX/XX/XXXX I have called Chrysler Capitall at XXXX. I have spoken to them no less than 20 times trying to get Chrysler Capital to send me my GAP refund to my address and in my name. The most recent time was on XX/XX/XXXX. I was escalated to the 'Executive Department. '' I have spoken to a Mrs. XXXX. She told me that my refund was again " sent in error to XXXX in XXXXXXXX XXXX XXXX and not to me. - I called XXXX in XXXXXXXX XXXX XXXX on XX/XX/XXXX and again they told me that Chrysler XXXX has my refund. They sent it back because they can not legally give it to me because it was not in my name. -I paid off my loan in XX/XX/XXXX. We are now approaching XX/XX/XXXX. -I paid off my entire loan with Chrysler Capital faster ( about 7 months ) than it has taken for them to refund my GAP insurance properly. - I would like to say again that I have called Chrysler Capital no less than 20 times in the course of 7 months trying to get them to correctly send me my GAP refund.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A Santander Consumer Auto Loan for a XXXX XXXX XXXX was paid in full on XX/XX/19. They sent me letters datedXX/XX/19and XX/XX/19 stating as such and one of the letters said they would update their records as such. Yet onXX/XX/19 they reported the account as 30 days late. I have talked to them on multiple occasions, so far nothing has been corrected. My wife who was also on the loan just pulled her credit report and it is still showing the delinquent report, with the phrases of " NOT-MORE-THAN-TWO-PAYMENTS-PAST-DUE '' and " Date of First Delinquency XX/XX/2019 '' I have copies of their payment ledger, along with their monthly bills showing payments were paid on time and to their amounts. This is gross Negligence and Maleficence on their part and we need it corrected ASAP. I would strongly urge all to avoid them for any type of loan!
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit inquiries that I do not recognize or have authorized. XXXX XXXX XXXX XX/XX/XXXX Chrysler Capital on XX/XX/XXXX and XX/XX/XXXX
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A